Buy To Let

Buy To Let Mortgages Explained

There are over two million landlords in the UK. If you invest in property already or just starting on your property investing journey, we can assist in helping you understand what your mortgage options are and help you reach your next goal.

Some buy to let mortgages and house in multiple occupancy mortgages are not regulated by the Financial Conduct Authority.

Here are some examples:

Buy To Let

A buy to let or BTL mortgage is a mortgage that allows an investor to purchase a property, become a landlord and rent a property out for profit. Given the high price of property it is very hard to save up enough to buy a property with cash. A BTL mortgage can help offer more property investment options and bring property investment within reach of many more people.

There are many lenders, all with different risk appetites when it comes to the type of investor, the type of property and the type of tenant. We can advise around your options for what you intend to do and help you identify the right buy to let strategy for you.

Let To Buy

Many peoples first foray into landlording is when they move home and decide to keep their own property. A let to buy mortgage is a specific product that allows the owner to raise capital to add to their residential home, and convert the existing property into a buy to let in the process.

Limited Companies

In response to increased regulation around buy to let as well as the changes in the tax environment, more and more investors are buying property through limited companies and to a lesser extent limited liability partnerships. An investors’ corporate structure can have a large bearing on the lender of choice, and we can help you understand your options and what might be the best set up for you.

Houses of Multiple Occupation

HMO or Houses of Multiple Occupation can be a complex area of mortgage advice. Individual tenancy agreements can add more risk to the lender around certainty of income being paid. For this reason, rates tend to be higher. We can help advise around the type of mortgages you can obtain depending on different sizes of property.